 We're here with Jobad Roop of Belmont Capital Advisors, and the reality is life is busy. Kids, grandkids, work, bills, maybe putting a retirement plan together is not top of mind. But Jobad, the big question is, what's holding you back? And that's exactly what it is. So many people say they're going to do something, but it ends there. We can all set goals and have different priorities, but when you set a goal, and this is what you want to do, like retirement or buying that beach house, whatever that is for you, we have to take action.